Wind Tre SPA SWIFT/BIC code

WIRRIT21 – the SWIFT/BIC code of Wind Tre SPA

WIRRIT21 and WIRRIT21XXX are two ways of writing the same bank identifier, and both point to Wind Tre SPA in Trezzano Sul Naviglio. Every bank on the SWIFT network uses these codes to direct payments between countries to the correct bank. In practice you mostly see the code on international invoices, in payment forms and in the bank details that Wind Tre SPA provides.

On this page you will find how the code is put together, when it matters and what else a transfer to or from Wind Tre SPA requires. Remember that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

Receiving money from abroad at Wind Tre SPA

For an international payment into your account at Wind Tre SPA, the sender needs not just the BIC. What they need is: the account holder’s name, account number or IBAN, WIRRIT21XXX and, for some countries, your postal address.

It helps to add the bank name and Trezzano Sul Naviglio as well. A typo in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

The amount you receive is often lower than what was sent. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate applies. Agree with the sender who pays which costs, especially for larger amounts.

A note on our data

We collect bank codes using publicly available data and check our list from time to time. Even so, banks merge, rename themselves or retire codes and our data may lag behind. Figures such as the number of codes are from our directory and may differ from what Wind Tre SPA publishes.

Treat our data as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay is independent of Wind Tre SPA. Spotted an error? Tell us through the contact page so we can correct it.

How long does an international transfer to Wind Tre SPA take?

How fast a transfer arrives at Wind Tre SPA depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent late in the day or just before weekends and holidays usually go out the next business day. Extra checks by one of the banks may also add some delay, regardless of the details.

If a transfer is late, ask your bank for the tracking status and the transaction reference so they can trace it along the chain. Money transfer services often show tracking online showing how far the money is.

The bank that sent the money can request a trace or a recall. On the receiving end, it helps to look at your account to see a partial amount, since fees may have been deducted.

Scams that use SWIFT codes

Stay alert when a contact unexpectedly wants you to send money to a different account. The fact that WIRRIT21 exists does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Before paying, confirm changed bank details through a phone call. Watch out for time pressure, unusual wording or a sender address that is slightly off. When money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to refund the difference. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

WIRRIT21 or WIRRIT21XXX – which one to use?

A BIC is made up of a few fixed parts: characters one to four identify the bank, the next two show the country and characters seven and eight indicate the location. Together, those parts form WIRRIT21 – the version you usually see online.

Many banks and apps work with both lengths. If a form asks for eleven characters, use WIRRIT21XXX; if it wants eight, use WIRRIT21.

Enter the code as one block, in upper case and without separators. Look out for O versus 0 or I versus 1.

SEPA payments and the Wind Tre SPA BIC

Italy is part of the SEPA area, the zone for uniform euro payments. When you send euros from another SEPA country, the IBAN is usually enough.

You will still need WIRRIT21XXX when sending non-euro payments or transfers from countries outside SEPA. If your banking app asks for the BIC regardless, adding WIRRIT21 does no harm.

Instant payments in euros are increasingly supported across SEPA; check with Wind Tre SPA whether it applies to your account. Provided no currency is converted, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.

The Euro and what conversion costs you

The national currency in Italy is the Euro (EUR). A payment in a foreign currency is exchanged into EUR before it reaches the account – and the bank that does it picks the rate. There is rarely a separate charge for the conversion.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Sending the amount directly in EUR usually prevents an extra conversion by Wind Tre SPA.

Rates for EUR move all the time. If you pay regularly, a slightly better rate make a real difference over time.

Verifying the SWIFT code of Wind Tre SPA

The safest source for a SWIFT code is the bank details provided by the recipient. If the code you have differs from WIRRIT21 or WIRRIT21XXX, stop and ask.

With a wrong code, the transfer might get stuck, be returned or end up costing more – sometimes after weeks of searching. A mistake in the account number can be a bigger problem.

An automatic check in your banking app only tells you that the code is valid. More and more banks check the payee name with the account before you confirm; take any warning seriously. When you pay someone new, many people send a small test amount.

Choosing between the 2 SWIFT codes of Wind Tre SPA

Our database contains 2 SWIFT/BIC codes for Wind Tre SPA, spread over 1 locations. Next to the head office code WIRRIT21XXX, there are codes for branches, departments or specific services.

Usually there is no need to look up a branch: payments addressed to WIRRIT21XXX reach Wind Tre SPA correctly. Branch codes are only needed when the recipient’s bank explicitly mentions it, which is more common for business accounts and specialised services.

The best way is to take the code straight from the account holder’s statement. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

Sending money abroad from Wind Tre SPA

When you send money abroad through Wind Tre SPA, the fee you see is rarely all of the cost. Besides the transfer fee, correspondent or intermediary banks may take a cut, and if the money changes currency the bank usually uses a rate below the real market rate.

The markup on the rate tends to be the biggest item even though it is not listed as a fee. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider is less expensive than a bank – mostly thanks to the rate. On GoldexPay we compare the amount that arrives with different services, which makes the cheapest option easy to spot. You can always keep your account at Wind Tre SPA to fund the transfer.